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Costs and the calculator
How much would I repay?
The total includes principal, interest, initiation and service fees, less an applicable benefit. The calculator shows each line.
Understand the costsDocuments and requirements
What would I need to prepare?
Review the age, identity, income and bank-account requirements. This site does not collect documents or assess eligibility.
Prepare your documentsBank verification
Why would a lender verify my bank account?
To check ownership and relevant information through an approved secure process. Never give a bank PIN, password or OTP to someone in a message.
Read security guidancePayout times
When would money reach my account?
The provider confirms payout timing after approval and acceptance. Bank checks and processing times can affect when funds arrive. There is no guaranteed instant transfer.
Understand the processA declined application
Does a previous loan guarantee another?
No. Income, commitments, credit information and affordability can change. Ask the lender for an explanation through its official process; do not change facts to bypass a check.
Read about returningDebiCheck explained
Is a debit-order mandate a loan approval?
No. DebiCheck is a way to authenticate specified debit-order details through your bank. The signed agreement and mandate are separate things to review. No mandate is created here.
Read the DebiCheck guideRepayments and difficulties
What if I cannot make a payment?
Speak to the lender before the due date where possible. Ask about options and consequences, and keep written records. Help is available without a new application.
Find repayment helpCircle and Welcome
How do the benefits differ?
Welcome provides up to R20 off an eligible first RandHaven initiation fee. Circle provides up to R30 for eligible returning customers. Each saving is capped at the fee payable. Neither is an approval or a cash payment.
Read Circle eligibility and savingsComplaints
Where can I raise a concern?
Start with the official team and explain the issue and requested outcome. The complaints page explains how to seek appropriate independent help.
Read the complaints process
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